96022 — Shasta County, California Market Snapshot
Housing market data for zip code 96022 in Shasta County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
79 sales in 2026 (year to date)
Median Sale Price
$400,000
Days to Sell
47
Homes Sold
79
Inventory
71
Sale-to-List
99.2%
New Listings
101
Price/SqFt
$245
Pending Sales
91
Conforming Loan Available
Most homebuyers in 96022 can comfortably use conventional financing. The median home price of $400,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
96022's market is balanced with homes taking an average of 47 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 96022 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 96022 can comfortably use conventional financing. The median home price of $400,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 96022 are set at the county level.
2026 Loan Limits — Shasta County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 96022
To purchase the median home at $400,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,215.
Monthly Payment
$3,215
Income Required
$137,772
Principal & Interest
$2,465/mo
Down Payment (5%)
$20,000
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 96022.
Estimated Monthly Payment
$2,626
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